If you're thinking about making a New Year's Resolution of any kind -- maybe to lose weight, pay off debt or stop a bad habit like smoking -- waiting until January 1 to get started is probably the single worst thing you can do.
Instead, commit to implementing your resolution beginning on Thanksgiving Day.
You'll avoid sabotaging yourself
You'll get a head start on creating a better you
You'll make your goal easier to reach
The period between Thanksgiving Day and New Year's Eve is the six-week timeframe when people inflict the most personal, financial and health damage on themselves -- often because they know they're planning to change their ways at the beginning of the year.
If your goal is to become debt-free and manage your money right, what sense does it make to spend November and December adding hundreds or maybe even a thousand dollars or more worth of credit-card debt to your already long list of bills?